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Trust in financial services: the influence of demographics and dispositional characteristics

Moin, S M A; Devlin, James; McKechnie, Sally


S M A Moin

James Devlin


So far, very little attention has been paid to examining consumer perceptions of trust from an interdisciplinary perspective. The purpose of this study is to examine how consumer trusting belief and disposition to trust within the financial services sector vary on the basis of individual demographic differences in trust. The research provides new insights into how consumers with higher dispositional trust have higher institutional trust and higher trusting belief and how consumers’ trusting belief significantly differs according to their demographic background in terms of age, marital status, ethnicity and gross annual income. The findings offer useful insights for the managers in financial institutions to carefully consider the impact of the influence of these individual differences on consumer behaviour in order to serve the needs of consumers in their target market and be able to design financial products and develop trust building strategies to attract and retain them. They also call for the action of the regulators and the financial institutions to play their part in building strong institutional systems that contribute to engendering higher levels of consumer trust.


Moin, S. M. A., Devlin, J., & McKechnie, S. (2017). Trust in financial services: the influence of demographics and dispositional characteristics. Journal of Financial Services Marketing, 22(2), 64-76.

Journal Article Type Article
Acceptance Date Mar 20, 2017
Online Publication Date Apr 12, 2017
Publication Date 2017-06
Deposit Date Sep 22, 2017
Publicly Available Date Sep 22, 2017
Journal Journal of Financial Services Marketing
Print ISSN 1363-0539
Electronic ISSN 1479-1846
Publisher Palgrave Macmillan
Peer Reviewed Peer Reviewed
Volume 22
Issue 2
Pages 64-76
Keywords Demographics, Dispositional characteristics, Interpersonal trust, Institutional trust, Financial services
Public URL
Publisher URL
Additional Information This is a post-peer-review, pre-copyedit version of an article published in Journal of Financial Services Marketing. The final authenticated version is available online at:


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